Clayton Holdings, which provides risk analysis and loss mitigation services, named Scott Kramer as director of commercial default servicing for its Quantum Servicing unit, a move that underscores the company's expansion into commercial real estate. Kramer spent five years as president of the Kramer Companies, a commercial real estate consulting firm. He will be in charge of expanding the Quantum commercial real estate special servicing business. According to the credit rating agency Moody's, delinquency rates loans backing on commercial mortgage-backed securities (CMBS) could increase by 9% to 11% over the next 12 months. Curtis Rethwisch, vice president of default servicing, said as much as a third of existing commercial loan credits have already matured. Those borrowers are limited in their ability to refinance, and lenders are struggling to restructure these loans at favorable terms, Rethwisch said. "Additionally, a significant percentage of banks' portfolios are due to mature in the next two to three years. Given declines in CRE [commercial real estate] values, lower occupancy rates and tighter underwriting guidelines, there is a great deal of anxiety in the market and a growing need for special servicing," Rethwisch said. Write to Jon Prior.